Comprehensive Wealth Planning

The mosaic of wealth is multi-faceted and distinctive to each client.

 

Common planning questions that we address:

  1. How long will my savings last?  Am I going to be okay?
  2. How much can I spend, so I won’t run out of money too soon?
  3. When should I take my CPP and OAS benefits?
  4. Which financial assets should I use first to create an income stream?
  5. Is my current savings rate going to be enough to accomplish my goals?
  6. How much can I pass on to my kids and/or charity?

 

Our game plan to engage your questions:

  1. We listen, learn, and gather a complete picture of your circumstances.
  2. We strive to ask deliberate and specific questions to identify the full landscape under discussion.
  3. We develop and analyze each Wealth Plan to identify opportunities and issues.
  4. We engage the completed Wealth Plan and advise on strategic actions.
  5. We continually review, update, and refine as life unfolds.

Our Approach: Total Wealth Management.

Tax Management

  • TFSA’s
  • RRSP’s / RRIF’s
  • Income Splitting
  • Tax Loss Selling
  • Tax analysis
  • Capital Gains Exemption Planning
  • Trust Planning
  • Salary / Dividend Inocme Planning

Estate Planning

  • Will Planning
  • Powers of Attorney
  • Inheritance
  • Charitable and Legacy Planning
  • Tax Efficient Transfer of Wealth
  • Estate Preservation
  • Probate Planning

Risk Management

  • Insurance Needs Analysis
  • Income Protection
  • Asset Protection
  • Estate Enhancement
  • Life Insurance*
  • Critical Illness / Disabilty*
  • Buy/Sell, Key Person*
  • Long Term Care*

 

Investment Strategy

  • Risk Profile – Investment Policy Statement
  • Portfolio Construction & Rebalancing
  • Currency Hedging
  • Multi-Manager Portfolio Solutions
  • Responsible Investing – Environmental, Social and Governance

Family, Vision, & Goals

  • What do you want to focus on right now?
  • What are your visionary goals for the future?
  • What are your biggest financial concerns?
  • Communication of wealth priorities between generations
  • Family meeting facilitation

*Insurance products and services are provided through Assante Estate and Insurance Services Inc.